Reports show that nearly 1/3rd of all people in America do not have a financial plan.  A far greater number are not using the one they have.  Carl Carlson quickly explains some keys to the importance of financial planning and why this vital step often gets overlooked.  Watch the video below to see Carl with Heather Sullivan of WWBT NBC Richmond.  To learn more directly from Carl, join us for our upcoming Wine & Wisdom March 24th at the Dominion Club.  Must RSVP to attend.